Kray Microfinance

At Kray Microfinance , we believe impact is measured by the opportunities we create.

During the 16th Graduation Ceremony 2025/26 at .Lawrence University (Uganda), we proudly awarded the Best Student in the Faculty of Business—recognizing excellence, discipline, and outstanding achievement.

But we didn’t stop at recognition.
We are excited to also offer her a place in our Graduate Trainee Program—because real impact goes beyond celebration. It is about opening doors and enabling the next step.

This moment represents more than an award: It is the beginning of a journey from academic excellence to real-world contribution.
It is a bridge between potential and opportunity.It is a commitment to nurturing the next generation of business leaders.

At Kray, we are intentional about creating pathways—where talent is identified, supported, and given a platform to grow into meaningful impact.

Congratulations once again.The future is yours, and we are proud to be part of your journey.

Secure your financial future by guarding your money wisely. Budget diligently, save consistently, and avoid unnecessary debt. Protect what you earn by making informed choices today.

Happy New Year from Kray!

Thank you for trusting us with your financial journey throughout the year.

In 2026, we remain committed to helping you save smarter, grow stronger, and achieve more.

Cheers to new opportunities, prosperity, and progress together!
# Team Kray Microfinance 2026 #

Make all your mobile payments this weekend using the Kray Mobile App from Google play store.

Keep smiling as you move with Kray mobile app as you enjoy convenience and easy.

Jjangu weefunile Ssente Express loan leero business yoo effuuke Gumite.

Simply visit any of our branches for more details.

Call/WhatsApp 0707888001

Time is now, what's stopping you from saving for your future goals. Toweelaliikira biiseera bya enkya. Tambula naffe Leero

Start your savings journey today with Kray Interest Wallet.

Consistency pays!

If you saved 5,000 UGX daily with Kray’s KABOX plan, you’d grow your money to over UGX 1,287,949 in a year — including interest!

With weekly interest and the security of a licensed microfinance institution, building your savings has never been easier.

Start your journey today:
📲 Dial *217*332 #
📥 Download the Kray App
📍 Visit our branches in Kyaliwajjala, City Centre, Nateete, Nansana & Kawempe

Pay Salaries the Smart Way with the Kray Smart Card

Give your employees the freedom and confidence they deserve. With the Kray Smart Card, salary management becomes seamless and beneficial for everyone.

Benefits for your staff:
Wide Accessibility – Use at 18 banks and 758 ATMs.
Salary Loans – Instant access to salary advances when needed.
Peace of Mind – Secure and reliable salary payments.
Boost Confidence – Empower your employees with financial convenience.

Give your staff the advantage of the Kray Smart Card today!

Pay Salaries the Smart Way with the Kray Smart Card

Give your employees the freedom and confidence they deserve. With the Kray Smart Card, salary management becomes seamless and beneficial for everyone.

Benefits for your staff:
Wide Accessibility – Use at 18 banks and 758 ATMs.
Salary Loans – Instant access to salary advances when needed.
Peace of Mind – Secure and reliable salary payments.
Boost Confidence – Empower your employees with financial convenience.

Give your staff the advantage of the Kray Smart Card today!

Start Smart with the Early Bird Account for Kids!

Give your children the gift of financial confidence from an early age. With our Early Bird account, kids learn to save, grow, and manage money responsibly—while having fun!

✅ Easy & safe for kids
✅ Encourages savings habits
✅ Parent-friendly oversight

Start your child’s journey to smart money management today. Because early lessons lead to lifelong success!